Experience the best

business banking platform

All-in-one digital banking for your business. Built for Startups, SMEs, and Freelancers

We’ve thought of everything

(and then some more)

Current Account + Visa Business Card


Accept &
make payments


your payroll

business expenses

Manage it all in
one place

Backed by Major Banks

Why 25 lakh businesses trust OPEN

Discover a better banking experience that works for your business

Get an account
designed for your business

Manage all your bank accounts and business transactions from one place

Pay your
vendors faster

Accept and make unlimited payments. No cooling-off period for adding beneficiaries

Get paid quick
and easy

NEFT, IMPS, RTGS, UPI or Cards - make it easy for your customers to pay you

Track your
business expenses

Get a business account with built-in expense management

Get a card just
for your business

A VISA card for your wallet, and as many virtual cards as you need as well

Track all business spends with expense management

An expense card for each employee

Make it easy to track and categorise expenses

Track both cash and card expenses

Online subscriptions, petty cash spends, vendor payments - track them all

Approve expenses
on the go

Get notified on your phone right when expenses happen

Easy-to-use expense dashboard

A complete view of all of your business expenses

Get flexible business loans and funding with zero collateral

Your aspirations of business expansion can be a reality with our hassle-free loans

A range of lending options for you to choose from

Go with whatever you think will be the best fit for you

Open Flo for revenue-based financing

Get funds up to ₹30 lakhs based on your monthly cash flow and bank statement

Open Settl, an early settlement credit offering

Settle your credit on time, always, with an easy to get loan

Open Capital for working capital loans

Access working capital when you need it at borrower-friendly rates

Say yes to business growth

Why Open Capital?

Apply in few minutes

Get money in 2 working days

Fast Approval

No Branch Visit

Tenure up to 60 months

An ISO certified company

An ISO certified company

Why Open Capital?

Apply in few minutes

Get money in 2 working days

Fast Approval

No Branch Visit

Tenure up to 60 months

An ISO certified company

Pay all your business taxes from one place

GST, TDS and everything else - manage them all from one place

Automatic TDS

Pay TDS in real-time for each transaction

Single-click challan

A substantially faster way to pay and
manage challans

Easy GST payments
& invoice creation

Send GST-compliant invoices and pay
GST directly

Instant GSTR-2A

Download your GST form in seconds
from the official portal

Reconcile all your business transactions automatically

Save precious accounting hours by instantly matching cashflow with your bank account

Bookkeeping integrated with your bank account

Reconcile your transactions as and when they happen

100% accurate reconciliation of all transactions

Get your books balanced automatically, and accurately

Works with other accounting software

Bring all your accounting tools together in one place for complete visibility

Understand how your money moves

Access insightful cashflow and profit & loss reports

Backed by

Get started in 3 simple steps

Start managing all your banking, payments, accounting & expenses in one place - in just 2 minutes.

Our partners

In the news

Open is a leading digital banking platform that powers businesses to automate their finance management process seamlessly. It helps small businesses and startups to manage their accounting, payments, invoicing, auto-reconciliation, payroll, expense management and taxes, all via one Open account with its wide range of automated banking solutions. Open features are built on top of traditional banking services, that allow businesses to get complete visibility of their entire cash flow. This helps businesses save tons of precious hours, while they focus on their productivity and growth.

All types of registered business owners, such as a partnership firm/ a Private Limited company/ a Sole proprietor/ a Freelancer or a Homepreneur, can leverage Open’s digital business banking platform. As per RBI guidelines, any business must complete KYC for the verification process, when they sign up on Open.  Once you are signed up, you can get a fully integrated virtual account that simplifies banking, accounting, payments, expense management, all in one place within a few clicks.

You can link your current account with an Open account once you register your business on Open. In case you are an individual, you can also link your savings account to start with. Once you sign up and fill in your personal and business details, you can activate your Open account.

Don’t have a bank account? 

Don’t worry, you can apply for a current account from one of our partner banks. To start with money withdrawal and receive settlements for the amount collected, just enter your current account number and IFSC code for the same and you are good to go.

Open is the one-stop solution when it comes to any business banking operation. Unlike regular banks, Open caters to the unique needs of small businesses. With Open, you can create instant business current accounts, manage payments along with automated invoice management, expense management and tax management. Open helps you integrate banking into your business workflow with its powerful APIs, making your business payouts hassle-free.

Once you fill in your personal and business details, you can start with payment collection. You can collect payments via different modes such as NEFT, IMPS, RTGS, Debit Card, Credit Card, UPI App, QR sticker, or Net Banking to your Open Business Account and all the transactions will get automatically reconciled. You can also create GST-compliant invoices to collect payments into your Open account from your vendors. You can also share payment links with your vendor and collect payments online with ease.

After your KYC completion, you get access to Open’s payout feature. You can make payouts via any of the three payout modes – IMPS/ RTGS/ NEFT/ UPI. Simplify the way you make payouts to all your vendors in no time without any cooling off period with Open’s payout APIs. You can also make bulk payouts instantly from your linked current account.

Open powers business banking services for over 25 lakh SMEs in India. Open is the fastest growing neo-banking platform adding over 100,000 new SMEs/month and processing over $30 billion in transactions annually. It takes utmost care of user data by adhering to data security protocols prescribed under the RBI guidelines. Open’s systems and infrastructure are also compliant with the Payment Card Industry-Data Security Standard (“PCI-DSS”). In addition, Open is compliant with the requirements of ISO 27001 : 2013 with an in-house CISO (Chief Information Security Officer) to ensure ultimate data security.

Have questions? Check out our help center

If you didn’t get answered to the questions you were looking for, talk with us now.

Open Financial Technologies Pvt Ltd,
Tower 2, 3rd floor, RGA Tech Park, Sarjapur Road, Bengaluru Karnataka – 560035

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